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Financial Arrangements

Payment for services is expected at the time of your visit.  If an extensive treatment plan is presented for your dental needs, a financial consultation is necessary prior to treatment.  If you are unable to pay in full at the time of service for major treatment, arrangements can be made to extend payments over a given period of time.  Once your treatment needs are established, fees will be discussed and payments agreed upon prior to the onset of treatment.
We do accept all major credit cards, cash or personal checks for payment.

Insurance Coverage by the Patient's Employer,
Retirement Plan or Self-Insured

We file your insurance claim as a courtesy.  However, the ultimate responsibility for payment is yours.  We file insurance claims electronically. The usual turn-around time on a claim is 4 to 6 weeks.  The estimated un-insured, co-pay or any applicable deductible, not covered by your insurance, is to be paid on the date of service.  In some instances, the patient receives payment directly from their insurance company.  If your insurance company pays you directly, we will file your claim for you but payment in full will be required on the date of service.  If a secondary insurance is carried, we will also file the secondary claim for you once payment has been received by your primary insurance.  E O B (Explanation of Benefits) copies are required to submit the secondary insurance claim. If payment is made to you directly and a secondary insurance is involved, you will need to supply our office with a copy of the EOB so that the secondary insurance can be submitted for you.
There are literally hundreds of insurance companies available.  Within each company, are many different coverages and groups. It is impossible for us to know each patient's coverage "to the letter".  A person should review their dental policy when it is received or updated.
Some things that you should know about your insurance coverage are:
     1.) The anniversary date. 
                     Does it begin at the start of each calendar year or is your coverage date attached to your date of hire/retirement?
      2.)  What is your maximum dental benefit per calendar year?
      3.)  Is there a "waiting" period for special services? ie. crowns/bridges/dentures
      4.)  If you have a deductible, does it apply to your cleaning appointments or to restorative/major work only?
       5.)  Are you allowed 2 cleanings per calendar year?  Do they have to be scheduled a full six months apart or 2 any time during a 12 month period?
       6.)  What time limits are attached to the taking of x-rays?  Bitewings once a year?  Full Mouth x-rays every three to five years?
      7.)  Is there coverage for Orthodontics?
      8.)  If a secondary insurance is carried, which insurance is the Primary Insurance?  Most often if a married couple has "joint" coverage on their policies, the birthdate rule applies when establishing the primary provider.  The person whose birthday comes first in the year, is the primary insurance provider and the other policy is considered the secondary.  In some instances this rule applies only to the children.